Best Caravan Insurance Australia 2026: Top Providers and Coverage Options

Insurance Industry Shifts and Their Effect on Caravan Insurance

Caravans are booming in Australia in 2026 with record growth, rising premiums and increasing demand for insurance. Tourism Research Australia recorded 15.2 million caravan and camping overnight trips in 2024, with $14.0 billion in spend, 87–90% of which was in regional areas.

National RV registrations hit 901,000 in January 2024 and BITRE’s 2025 update shows 834,220 registered caravans, up 3.8% year on year.

With RV stock expected to grow from 3.11 million in 2025 to 4.21 million by 2030 (6.23% CAGR), caravan numbers will reach ~870,000–900,000 by 2026.

General insurance trends impact caravan premiums. KPMG reported $68.0 billion GWP in 2024 and $6.1 billion profit after tax, while domestic motor premiums rose from $845 in 2023 to $946 in 2024 – a 12% increase.

GlobalData forecasts direct written premiums to grow from $103.1b in 2025 to $146.9b by 2029 (9.2% CAGR), with motor insurance growing at 12.7% CAGR.

With average caravan premiums at $560 in 2024, 5–8% annual increases put 2026 premiums at $620–$650. Overall, the caravan insurance market in Australia – worth $0.5–0.7 billion in 2025 – will reach $0.6–0.8 billion in 2026 as demand and fleet continues to grow.

Nationwide Touring Protection with CIL Insurance

CIL’s History and Expertise in the Caravan Market

CIL Insurance has been a household name in Australia for over 60 years – a staggering six decades of service in the caravan insurance industry.

That kind of history gives us something very special : rock solid underwriting, an in-depth knowledge of what caravan owners need, and a claims process that’s specifically designed with RV travellers in mind.

That’s why, when it comes to long-distance caravan touring, caravanners trust CIL more than any other insurer. And it’s all down to our unique nationwide touring protection – a feature that a lot of standard insurers don’t even offer.

Coverage for Every Stage of Your Cross-Country Adventure

Long-distance caravanning can be a real challenge – from the highways to remote roads, unexpected storms, hotspots for theft and the wear and tear of towing thousands of kilometres. CIL insurance has got you covered from start to finish.

Here’s what you can expect from our comprehensive protection:

Accidental damage – whether it’s a collision, or something goes wrong at home
Storms, fires, floods and hail – we’ve got you covered
Theft or attempted theft – we’ll sort it out
Emergency repairs and towing – to get you back on the road
Temporary accommodation – because sometimes you just can’t get home right away
New caravan replacement (for eligible caravans under 2 years old) – because sometimes things just can’t be fixed

According to national incident reports, a whopping 54 percent of caravan insurance claims are related to road accidents or weather events.

That’s why our strong weather coverage is such a game-changer – especially if you’re planning to travel through areas like QLD, NT or northern NSW, where storm events have jumped by 18% since 2020.

The Benefits of Nationwide Travel Protection

Australia’s got an enormous road network – over 870,000 km of it. And if you’re planning to travel long distances, chances are you’ll find yourself in some pretty isolated regions on the way.

If your caravan breaks down 500 km from the nearest service centre, you could be facing some pretty hefty bills.

But with CIL, you’ve got emergency benefits to fall back on – covering things like:

Emergency towing
Transporting your caravan to the nearest repairer
Emergency accommodation after accidents

Let’s say you’re driving from Melbourne to Broome – you could be facing towing costs of $1,200-$2,700. That’s a big hit to your wallet.

But with CIL, you can forget about those costs – we’ve got you covered.

Ideal Profiles for CIL Coverage

We’re perfect for:

Full-time grey nomads
Caravan owners who like to tow interstate
Families who love to travel long distances
Off-grid travellers who prefer to visit remote caravan parks

When you combine our specialist caravan protection, rock solid reliability, and nationwide touring support – you’ve got the perfect caravan insurance provider for any Australian traveller.

Jayco Platinum Insurance Brand Matched Cover

Insurance Aligned With Jayco Engineering

Jayco Platinum Insurance is designed for the structural design, mechanical components and common usage patterns of Jayco caravans.

As Jayco holds over 45% of Australia’s caravan market share, many owners need insurance that understands the unique build materials, pop-top mechanisms, slide-outs, cabinetry and electrical layouts of Jayco RVs.

Unlike generic caravan policies, Jayco Platinum is aligned with Jayco’s manufacturing standards so claims are processed faster and repairs are done with genuine Jayco parts.

Structural Benefits of Brand-Specific Cover

Jayco caravans use lightweight composite materials and unique engineering systems different to traditional caravans.

So repair accuracy is critical.

Jayco Insurance offers:

Access to Jayco’s authorised repair network
Faster replacement of branded components
Cover for pop-top systems and special fittings
Compatibility with Jayco warranty terms

According to customer repair data 72% of Jayco claims involve parts unique to Jayco models.

Using non-genuine parts can increase repair time by up to 35% that’s why brand specific insurance reduces downtime.

Repair Efficiency Through Jayco’s Service Network

Jayco’s service network covers all states so repairs are streamlined with shorter wait times.

Example:
A Jayco Journey owner needing roof-hatch replacement can have parts sourced directly through Jayco’s established supply chain, reducing delays from 4-6 weeks in generic insurance networks to 1-2 weeks with Jayco-authorised repairs.

This makes a big difference for travellers who rely on their caravan for holidays or long distance touring.

Best Fit for Jayco Insurance

Jayco Insurance is for:

Jayco Journey, Starcraft, Silverline, All-Terrain, Work’n’Play and Crosstrak owners\
Frequent travellers who want fast repairs
Buyers who want genuine Jayco parts
New Jayco caravan owners who want aligned warranty protection

Because the insurance is designed for the brand, Jayco owners get better repair quality, faster turnaround times and longer term durability.

Allianz Caravan Insurance High Liability Cover

Allianz Liability Strengths

Allianz Caravan & Trailer Insurance is one of the strongest liability covers in the Australian market.

Up to $20 million liability protection for caravan owners travelling on highways, caravan parks, residential streets and high traffic tourist areas.

Liability claims, especially property damage can escalate quickly.

According to national insurance data, caravan liability claims have increased by 11% since 2020 mainly due to increasing caravan ownership and more vehicles on the road.

Broad Damage Defence Options

Allianz covers accidental loss or damage from:

Storms
Fire
Theft or attempted theft
Collisions
Vandalism

These events account for over 58% of annual caravan insurance claims so broad cover is essential in a good policy.

Allianz also offers optional extras:

Annex cover
Contents cover
New for newer caravans

You can customize your policy to suit your travel habits and caravan value.

Financial Impact of Accident Cover

If a caravan detaches while towing and hits another vehicle, property damage can be over $120,000.

In high traffic holiday areas like the NSW South Coast or Sunshine Coast, multi-vehicle accidents can exceed $300,000.

Allianz’s $20 million liability buffer means caravan owners are covered in extreme situations.

Suitable User Categories for Allianz

Allianz is for:

Families going to caravan parks
Long distance highway travellers
Caravan owners parking in high density tourist areas
New owners wanting strong liability cover
Users needing flexible optional extras

Its high liability cover, comprehensive cover and optional add-ons make Allianz the go to for 2026 travellers who want maximum safety and financial security.

Youi’s Caravan Insurance Pricing That Reflects Your Usage

Youi's Caravan Insurance Pricing That Reflects Your Usage

Insurance That Thinks You’re Not Your Average Joe

Youi’s Caravan Insurance really mixes things up by using a pricing system that’s based on how you actually use your caravan.

Unlike the insurers that use a one-size-fits-all, fixed premium approach, Youi looks at the nitty-gritty: how you use your caravan, where you go, and how often. And that’s what makes it more accurate and fair – especially for those who only use their caravan a few times a year or just during the good weather.

According to some research that Youi did, a pretty big chunk of caravan owners – about 37% – only use their caravan for fewer than 30 days per year, and yet they’re paying full-fat premiums. Youi’s way of doing things helps to sort that out.

The Low-Risk Owners Get a Better Deal

Youi’s got a real knack for working out who’s low-risk and cutting them a better deal.

If you’re towing short distances, storing your van in a secure spot, or avoiding all that off-roading business, you’re likely to end up paying less for your premium.

Premiums can be reduced based on:

Annual mileage
Where you store your caravan (garage, caravan park, or just a driveway)\
How often you tow it
Your driving history
Where you like to go (urban vs regional)

Here’s an example: if you store your van in a locked shed and only tow it during school holidays, you could save 15% to 28% compared to someone who’s towing every month.

Protection You Can Count On, But Without the Bells and Whistles

Youi’s main focus is on making pricing more flexible, but they’ve also got all the standard protection you’d expect from a good policy:

Accidental damage – so you can repair or replace your van if something goes wrong
Theft and attempted theft – so you can rest easy knowing you’re covered if someone tries to nick your caravan
Storm and hail cover – because 58% of caravan insurance claims come from weather-related incidents, and you want to know you’re covered in case a hurricane blows in
Liability cover – in case you cause any damage to other people or property while you’re on the road
Optional contents cover – in case the inside of your caravan gets damaged
Optional off-road extension – because we all know that’s where the real fun happens (just kidding!)

User Types Benefit from Youi Policies

Youi’s a great fit for:

Occasional caravan users
People who want a premium that’s tailored to their needs
Caravan owners who park their van in a safe spot and don’t go tearing off-road
Families who want flexible add-ons that won’t break the bank

If you’re a budget-conscious caravan owner who wants to make the most of your cover without compromising on essential protection, Youi’s a great place to start.

AAMI Caravan Insurance Multi Policy Advantage

Multi-Policy Benefits

AAMI Caravan Insurance is chosen by families who already have AAMI car or home insurance.

The main benefit is bundling policies, less admin and potentially lower premiums.

Australian insurance comparison surveys show 28% of caravan owners prefer one insurer for multiple policies because it makes renewals and claims easier.

Everyday Caravan Cover

AAMI offers solid, simple cover for everyday caravan owners who travel on weekends or holidays.

Core cover includes:

Storm, fire, theft, flood
Collision damage
Legal liability
Contents options
Damage while parked or stored

54% of caravan incidents happen while parked, so storage cover is a big benefit for suburban and regional caravan owners.

Bundling Policy Gains

A family with AAMI home insurance, car insurance and caravan insurance can manage all policies from one dashboard.

If a storm damages both a car and a caravan, one insurer handles both claims, no delays.

Comparative examples show bundled customers can save 5%–12% per year depending on policy and location.

Ideal Households for AAMI Insurance

AAMI is for:

Families who already have AAMI home or car
Owners who want easy renewals and single provider claims
Caravanners who want simple, strong cover
Suburban owners who store vans at home

AAMI’s broad damage cover, bundling and strong liability cover makes it a practical choice for households who want insurance simplicity with 2026 cover.

GIO Caravan Insurance Severe Weather Defence

Weather-Focused Policy Features

GIO Caravan Insurance is renowned for its weather-damage cover, perfect for caravan owners in storm-prone areas.

Australia’s northern and eastern coastal regions get the most storms in the Southern Hemisphere.

According to the Bureau of Meteorology, QLD, NT and northern NSW get 50–65 severe storm days per year, more than southern states.

This means weather-focused caravan insurance is crucial.

Severe-Climate Damage Cover

GIO’s policy includes cover for:

Cyclone structural loss
Hail to roofs, walls and windows
Flood and heavy-rain damage
Storm-driven debris collisions
Fire and theft protection

These events account for over 42% of caravan claims in coastal states.
Caravans with lightweight composite walls are especially prone to hail dents and panel cracking, so high-grade weather protection is a must.

Storm Response

In a typical QLD hailstorm, repair costs for caravans are $4,800–$9,200 depending on panel type and roof damage.

GIO’s storm-damage response gets caravans back on the road faster with its extensive repairer network.

Example scenario:
A Sunshine Coast caravan owner gets roof damage from cricket-ball-sized hail.
With GIO, the customer gets:

Emergency assessment
Fast-tracked approval
Access to approved repairers
Replacement of damaged panels and roof vents

This reduces downtime compared to insurers with limited weather claims experience.

Best for GIO Climate Shield

GIO is for:

Caravanners in storm-prone areas
Travellers spending long periods in QLD or NT
Owners of lightweight composite caravans
Families parking vans at home
Retirees travelling during cyclone season

For 2026 travellers, GIO’s enhanced storm, hail and cyclone cover gives you peace of mind in the country’s most unpredictable weather zones.

NRMA Caravan Insurance Advanced Towing Support

The Edge of NRMA Towing Support

NRMA Caravan Insurance has earned its reputation as one of the best roadside assistance packages out there – and that’s especially true for caravanners who spend a lot of time towing big vans down long, bumpy roads.

Towing trouble is one of the most common bumps in the road for caravan travel – 1 in 5 breakdown call-outs involve vehicles towing caravans or trailers. And that’s not surprising when you consider the specialised equipment heavy caravans need to get moving.

But a standard roadside program just isn’t up to the job. That’s where NRMA comes in – with a towing support package that’s designed with caravan travel specifically in mind.

Emergency Assistance: The Essentials

NRMA’s got assistance tailored to the real challenges caravanners face on the road. These include:

Towing heavy vehicles when you need to – perfect for those big caravans
Help with a flat tyre or a wheel that’s gone round
Jump-starting your tow vehicle when the battery lets you down
Emergency repairs to get you back on the road
And if all else fails, transport of your caravan to the nearest safe spot

All these benefits are important because breakdowns, tyre blowouts and mechanical strain account for a whopping third of all caravan roadside incidents.

Cutting Down Travel Disruptions – An Example

Imagine you’re a family towing a 22-foot caravan from Sydney to Coffs Harbour. Your tow vehicle breaks down on a remote stretch – and if you’re not covered by NRMA, standard roadside programs might just leave your caravan stranded.

But NRMA’s equipped to handle both:

Your tow vehicle
Your caravan itself

This two-pronged approach can save you a small fortune – $450 to $1,200 in private towing costs depending on the distance and size of your caravan.

NRMA’s network of trusted repairers and secure holding yards mean your caravan’s safely in good hands – avoiding long delays and extra expenses.

Key Customer Groups for NRMA Roadside Cover

NRMA’s ideal for:

People from NSW and the ACT
Families who tow big or heavy caravans
Long-distance road trippers
Owners with older tow vehicles
Caravanners who want reliable breakdown support

With its strong towing network and specific roadside features for caravanners, NRMA’s got the edge when it comes to 2026 travellers who value safety, convenience and the freedom to hit the open road without worrying about the next bump in the road.

Australian Caravan Insurance Flexible Seasonal Options

Seasonal-Use Policy Design

Australian Caravan Insurance (ACI) is all about flexibility and that’s why it’s the perfect option for owners who only use their caravan at certain times of the year.

Many Australians tow their caravan during school holidays or long-weekend trips and store it for extended periods.

Industry data shows that over 41% of caravan owners travel less than 40 days per year, which means a full-time touring policy may not be necessary.

ACI addresses this lifestyle by offering multiple modes of cover.

Multi-Mode Coverage Options

ACI’s flexibility allows caravan owners to adjust cover based on how the caravan is being used.

1. Touring Cover

For owners who travel across states or camp in tourist parks.
Includes:

Collision and accident damage
Theft
Fire, storm and hail
Liability cover

2. On-Site Cover

For caravans placed permanently or semi-permanently in holiday parks.
Protects against:

Weather damage
Vandalism
Theft from site
Annex and contents damage

3. Lay-Up Cover

For caravans stored at home or in storage yards.
Provides protection from:

Theft
Fire
Some weather events

Lay-up premiums can be 30%–45% lower, so it’s a cost-effective option for owners who store their van most of the year.

Savings for Low-Use Caravans

A NSW family who travels only during December–January and Easter may switch to lay-up cover for 8 months of the year.

This can save them up to $260–$480 per year depending on caravan value and location.

This flexibility means seasonal owners don’t have to pay for year-round touring cover they don’t need.

Travellers Best Served by ACI Flexibility

ACI is perfect for:

Part-time holiday travellers
Caravans stored long-term at home
Owners using vans as on-site holiday units
Seasonal travellers who want to reduce premiums
Retirees who travel only during warmer months

ACI’s multi-mode policy is one of the most cost-effective and adaptable options for 2026 caravan owners who don’t travel year-round.

WFI Caravan Insurance Local-Agent Personal Service

Local-Agent Strength

WFI Caravan Insurance is well known in regional Australia for its local-agent service model, not a generic call-centre.

This personal approach is especially valued in rural areas where caravanners travel long distances and want insurers who understand local risks.

Industry surveys show 39% of regional policyholders prefer insurers with local representatives, as it builds trust and speeds up claims.

WFI’s agent network makes it easier for caravan owners to discuss policy options face to face, especially when insuring higher value touring caravans or off-road models.

Rural-Focused Features

WFI provides coverage that suits rural caravanners, including:

Accidental damage
Fire and storm protection
Theft or attempted theft
Liability cover
Optional contents and annex cover

These features are important because rural areas have different risk patterns.
For example, regional caravan theft has increased 14% since 2021, especially in unsecured properties and farms.

WFI’s property damage cover is especially useful for caravans stored on large rural blocks.

Real-Life Regional Help

A caravanner in WA’s Wheatbelt who has storm damage may face long phone wait times with national insurers.
With WFI, a local agent can:

Inspect the damage
Assist with documentation
Lodge the claim on behalf of the caravan owner
Coordinate with approved repairers

This hands on support can reduce claims processing time by 20-30% based on regional customer feedback.

Best for WFI Local Service

WFI is for:

Regional and rural caravan owners
Caravanners who want face to face service
Owners of large properties or farms
Travellers who tour across regional WA, SA and QLD
Users who want simple, personal insurance help

Its local agent service makes WFI one of the best for 2026 caravan owners outside of major cities who want reliable and personal insurance advice.

Suncorp Caravan Insurance Fast-Track Claims System

Fast-Track Claims Benefit

Suncorp Caravan Insurance is loved for its quick and easy claims process, making it one of the best for modern caravan owners.

In recent customer surveys, Suncorp scored highly for claim handling speed, with 72% of customers saying faster than expected.

This is backed by Suncorp’s digital-first systems, where you can upload photos, lodge a claim and track progress through a user-friendly portal.

Damage Protection Package

Suncorp’s streamlined system plus:

Collision and impact damage
Fire, theft and vandalism
Storm and hail protection
Liability cover
Optional contents and annex cover

Fast approval matters because delays in repair authorisations are one of the biggest headaches for caravan owners.

National repair centre data shows 29% of caravan repair delays are due to slow insurer approval, not parts availability.

Suncorp’s rapid assessment model fixes this bottleneck.

Peak Season Repair Speed Gains

During school holidays or winter migration to QLD, repairers are busy.

A caravanner from Brisbane to Cairns who suffers storm damage may face long queues with insurers that use slower manual claim systems.

With Suncorp’s fast-track digital process you can:

Lodge a claim immediately
Upload photos onsite
Get rapid assessment
Book repairs quickly
Track progress through your portal

This modern workflow can save 7-12 days of repair time, so you can get back on the road during busy periods.

Users Who Value Fast Claims

Suncorp is perfect for:

Caravan owners who want digital claims
Families who need fast repairs during holiday seasons
Travellers who need quick authorisation in remote areas
Owners in metro areas where repair centres are busy
Users who want simple and stress-free processing

Its combination of comprehensive cover and fast claims makes Suncorp one of the best caravan insurance for 2026.

Originally Published: https://www.caravansforsale.com.au/best-caravan-insurance-australia-2026/